Cheap Insurance for an Acura ZDX in Arlington

  1. Home
  2. >
  3. Arlington Auto Insurance
  4. >
  5. Acura ZDX

It's an obvious assumption that auto insurance companies want to keep your business as long as possible. Insureds who get comparison quotes at least once a year are likely to switch to a new company because there is a high probability of finding discount prices. A recent auto insurance study discovered that drivers who did price comparisons regularly saved $860 a year compared to those who didn't regularly shop around.

If finding budget-friendly Acura ZDX insurance in Arlington is your target objective, then having some insight into how to quote and compare coverages can make shopping around easier.

Insurance for Acura ZDXThe recommended way to get discount Acura ZDX insurance in Arlington is to regularly compare prices from providers who sell auto insurance in Texas.

  • Step 1: Try to understand what coverages are included in your policy and the factors you can control to keep rates in check. Many things that cause high rates like careless driving and poor credit can be rectified by making minor changes in your lifestyle. This article provides additional tips to prevent expensive rate increases and find possible discounts that are available.
  • Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from a single company like GEICO or State Farm, while agents who are independent can provide prices from multiple sources.
  • Step 3: Compare the new rate quotes to your current policy and determine if cheaper ZDX coverage is available. If you find better rates and make a switch, make sure there is no coverage gap between policies.
  • Step 4: Tell your current company of your intention to cancel your current coverage. Submit payment and a completed application to your new agent or company. Once the application is submitted, keep your new certificate verifying coverage in a readily accessible location in your vehicle.

An important note is to try to compare similar coverage information on each price quote and and to get price quotes from as many auto insurance providers as possible. Doing this guarantees an accurate price comparison and a complete selection of prices.

If you have coverage now or are just looking to switch companies, you can use these techniques to cut your premiums and possibly find even better coverage. Quoting and comparing rates for the best-priced policy in Arlington is not as time-consuming as you think. Comparison shoppers just have to know the tricks to get comparison rates over the internet.

The best way we recommend to compare rate quotes for Acura ZDX insurance in Arlington is to know the fact most insurance companies have advanced systems to provide you with a free rate quote. To get started, all you need to do is take a few minutes to give details such as marital status, coverage limits, if you require a SR-22, and whether the vehicles are used for commuting. Your information gets transmitted to multiple insurance providers and they respond with quotes immediately.

If you would like to compare rates now, click here and find out if you can get cheaper insurance in Arlington.

The companies shown below are ready to provide quotes in Texas. If you want to find the best cheap auto insurance in Texas, we suggest you visit two to three different companies to find the most affordable car insurance rates.

Rate information and statistics

The table displayed below outlines detailed analysis of insurance rates for Acura ZDX models. Learning as much as possible about how insurance prices are formulated can assist in making informed decisions.

Acura ZDX Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $332 $542 $382 $22 $114 $1,392 $116
ZDX AWD $332 $542 $382 $22 $114 $1,392 $116
ZDX Advance Package AWD $332 $614 $382 $22 $114 $1,464 $122
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in vehicle garaging location which can lower or raise coverage rates significantly.

Rate comparison for different deductibles

When comparing insurance rates, the most common question is how high or low should comp and collision deductibles be. The comparison tables below lay out the rate fluctuation when you choose different physical damage deductibles. The first price estimate table uses a $250 deductible and the second price grid uses a $500 deductible.

Acura ZDX insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $408 $672 $382 $22 $114 $1,623 $135
ZDX AWD $408 $672 $382 $22 $114 $1,623 $135
ZDX Advance Package AWD $408 $762 $382 $22 $114 $1,713 $143
Get Your Own Custom Quote Go
Acura ZDX insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ZDX Technology Package AWD $332 $542 $382 $22 $114 $1,392 $116
ZDX AWD $332 $542 $382 $22 $114 $1,392 $116
ZDX Advance Package AWD $332 $614 $382 $22 $114 $1,464 $122
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in zip code location which can influence auto insurance rates noticeably.

Using the premium rates above, we can conclude that using a $250 deductible costs an average of $20 more each month or $240 annually averaged for all ZDX models than quoting the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at least 13 months between claims, you would come out ahead if you choose a higher deductible.

The information below shows how choosing a deductible and can raise or lower Acura ZDX yearly insurance costs for different age groups. The price estimates are based on a single male driver, full coverage, and no additional discounts are factored in.

Rate comparison of male drivers versus female drivers

The chart below shows the difference between Acura ZDX insurance premiums for male and female drivers. The data assumes no accidents, no driving violations, full coverage, $100 deductibles, single marital status, and no discounts are applied to the premium.

Best reasons to buy auto insurance in Texas

Even though it can be expensive, paying for auto insurance serves an important purpose.

First, most states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability coverage if you don't want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your vehicle has a loan, almost all lenders will make it a condition of the loan that you have insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Acura at a much higher premium rate and require you to fork over a much higher amount than you were paying before.

Third, auto insurance preserves both your Acura ZDX and your assets. Insurance will pay for many types of medical costs incurred in an accident. Liability coverage, the one required by state law, will also pay to defend you if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.

The benefits of carrying enough insurance are without a doubt worth the cost, particularly when you have a large claim. The average driver in Texas is wasting up to $855 a year so compare rate quotes at least once a year to be sure current rates are still competitive.

How do Insurance Companies Determine Acura ZDX Insurance Costs?

A large part of saving on auto insurance is knowing a few of the rating criteria that are used to determine the level of your policy premiums. When you know what positively or negatively determines premiums, this enables informed choices that will entitle you to lower auto insurance prices.

Buy as much liability coverage as you can afford - Your auto insurance policy's liability coverage will protect you when a court rules you are at fault for damages caused by your negligence. Liability insurance provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.

Extra policy coverages push up prices - There are a ton of optional add-on coverages that may not really be needed when buying auto insurance. Things like personal injury protection, accident forgiveness, and extra equipment coverage may not be needed and are just wasting money. They may sound like good ideas when discussing your needs, but if you don't need them consider taking them off your policy.

Better credit means lower prices - Credit score will be a significant factor in calculating your auto insurance rates. If your credit score can use some improvement, you could pay less to insure your Acura ZDX if you improve your credit rating. Insureds with excellent credit scores tend to be better drivers and file fewer claims than drivers with bad credit.

Never have coverage lapses - Driving any period of time without insurance is not a good idea and any future policy may cost more because you let your coverage lapse. In addition to paying higher premiums, getting caught without coverage might get you a license revocation or jail time.

Pay more by driving carelessly - Being a careful driver has a lot to do with how much you pay for insurance. Only having one speeding ticket can boost insurance rates forty percent or more. Careful drivers get better prices compared to bad drivers. Drivers with flagrant violations such as reckless driving, hit and run or driving under the influence might be required by their state to submit a SR-22 form with their state's licensing department in order to prevent a license revocation.

The chart below highlights how speeding tickets and at-fault collisions can raise Acura ZDX insurance costs for different age groups. The premiums are based on a married female driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

Auto insurance rates and discounts

Companies that sell car insurance don't necessarily list every possible discount in an easy-to-find place, so the next list breaks down both the well known as well as some of the hidden discounts that you can inquire about if you buy Arlington car insurance online.Cheaper auto insurance with discounts

  • Pay Upfront and Save - If you pay your bill all at once rather than paying monthly you may have a lower total premium amount.
  • Passive Restraints and Air Bags - Factory options such as air bags can get savings as much as 30%.
  • Discount for Life Insurance - If the company offers life insurance, you could get a small discount if you purchase some life insurance too.
  • Save with a New Car - Buying insurance coverage on a new vehicle can get you a discount since new model year vehicles are generally safer.
  • Arlington Homeowners Discount - Owning your own home or condo can help you save on auto insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Discount for Multiple Policies - If you have multiple policies and place coverage with the same company you will save at least 10% off all policies.
  • Government Employee Discount - Simply working for the federal government may qualify for a discount when you quote Arlington car insurance depending on your auto insurance provider.
  • Driver Education Discount - Cut your cost by having your teen driver participate in a local driver's education class in high school.
  • No Claim Discounts - Insureds with no claims or accidents can earn big discounts when compared to bad drivers.

Just know that most credits do not apply to the entire cost. The majority will only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears you could get a free auto insurance policy, companies don't profit that way. Any amount of discount will help lower the amount you pay for coverage.

The example below shows the comparison of Acura ZDX insurance costs with and without discounts applied to the policy premium. The costs are based on a male driver, no claims or driving violations, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, multi-car, marriage, homeowner, and claim-free discounts applied.

The best auto insurance companies and the discounts they provide are detailed below.

  • Farm Bureau has discounts for multi-policy, safe driver, multi-vehicle, 55 and retired, good student, youthful driver, and driver training.
  • State Farm includes discounts for multiple autos, good driver, safe vehicle, Steer Clear safe driver discount, multiple policy, and passive restraint.
  • Progressive may have discounts that include homeowner, continuous coverage, multi-policy, good student, online quote discount, and multi-vehicle.
  • Allstate offers discounts for utility vehicle, new car, teenSMART discount, multi-policy, premier discount, EZ pay plan discount, and eSmart discount.
  • Nationwide may include discounts for easy pay, multi-policy, business or organization, Farm Bureau membership, and good student.
  • MetLife discounts include multi-policy, claim-free, defensive driver, good student, and accident-free.

If you need affordable Arlington car insurance quotes, ask all companies you are considering what discounts are available to you. Some discounts may not apply to policyholders everywhere.

Shop online but buy locally

Some consumers still prefer to talk to an insurance agent and doing so can bring peace of mind Good agents can help you build your policy and help file insurance claims. One of the benefits of comparing car insurance online is the fact that drivers can get the best rates but also keep your business local. Supporting neighborhood insurance agencies is still important in Arlington.

Insurance agents in ArlingtonFor easy comparison, once you complete this form (opens in new window), your insurance coverage information is transmitted to local insurance agents in Arlington who will give competitive quotes to get your business. You won't need to contact an agency because quoted prices will be sent to the email address you provide. If you wish to get a comparison quote from a specific insurance company, you would need to jump over to their website and submit a quote form there.

When finding a local agent, you should know the types of agencies from which to choose. Agents in Arlington may be either independent or exclusive depending on the company they work for. Either one can insure your vehicles properly, but it's worth learning the difference in the companies they write for since it may influence your selection of an agent.

Independent Car Insurance Agencies or Brokers

Agents that choose to be independent are not employed by any specific company so they can quote policies through lots of different companies and get the cheapest rates. If premiums increase, they simply move your policy to a different company and you stay with the same agent.

If you are comparing car insurance prices, you should always contact independent agents for the best price selection. Most independent agents also contract with mutual insurance companies which can save you money.

The following is a list of independent agencies in Arlington that may be able to provide cheap rate quotes.

View more agents

Exclusive Insurance Agencies

Exclusive insurance agents can only write with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to compare other company's rates so they have no alternatives for high prices. Exclusive agents are well schooled on their products and sales techniques and that enables them to sell even at higher rates. Many people choose to use an exclusive agent partially due to the prominent brand name rather than low price.

The following is a list of exclusive agents in Arlington that can give you price quote information.

View more agents

Choosing an insurance agent should depend on more than just the bottom line cost. Any good agent in Arlington should know the answers to these questions.

  • How many years have they been established?
  • Do they offer claims assistance after hours?
  • Do they make recommendations based only on price?
  • Is the coverage adequate for your vehicle?
  • What is their Better Business Bureau rating?

Arlington auto insurance companies ranked

Picking the highest-rated insurance company can be a challenge considering how many different companies insure vehicles in Texas. The rank data shown next can help you choose which car insurance companies to look at comparing rates from.

Top 10 Arlington Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Top 10 Arlington Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA - 91%
  2. AAA Insurance - 90%
  3. Esurance - 90%
  4. Mercury Insurance - 89%
  5. Nationwide - 89%
  6. Travelers - 88%
  7. Progressive - 88%
  8. Safeco Insurance - 88%
  9. State Farm - 88%
  10. Allstate - 88%

Persistence pays off

We just presented many tips how you can compare Acura ZDX insurance prices in Arlington. The key concept to understand is the more providers you compare, the higher your chance of finding affordable Acura ZDX insurance quotes. You may even find the lowest priced car insurance comes from a small local company.

People who switch companies do it for a number of reasons such as delays in paying claims, being labeled a high risk driver, policy non-renewal and even extreme rates for teen drivers. No matter why you want to switch, switching car insurance companies is not as difficult as it may seem.

Budget-friendly car insurance in Arlington can be purchased from both online companies in addition to local insurance agencies, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not have the ability to get quotes online and many times these regional carriers work with local independent agencies.

For more information, link through to the articles below: